UBFO Stock Overview
Operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
Rewards
Risk Analysis
No risks detected for UBFO from our risk checks.
My Notes
Capture your thoughts, links and company narrative
United Security Bancshares Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$10.13 |
| 52 Week High | US$10.49 |
| 52 Week Low | US$7.02 |
| Beta | 0.56 |
| 1 Month Change | 1.71% |
| 3 Month Change | 8.23% |
| 1 Year Change | 36.89% |
| 3 Year Change | 16.57% |
| 5 Year Change | 1.81% |
| Change since IPO | 429.86% |
Recent News & Updates
Recent updates
United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.12
Sep 29
United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Dividend Of $0.12
Jul 01United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of $0.12
Oct 01United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Larger Dividend Than Last Year
Jul 02United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.11
Apr 02United Security Bancshares (NASDAQ:UBFO) Has Announced A Dividend Of $0.11
Dec 25United Security Bancshares GAAP EPS of $0.26, revenue of $13.12M
Oct 20United Security Bancshares GAAP EPS of $0.20, revenue of $11.01M
Jul 20United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Jul 05United Security Bancshares declares $0.11 dividend
Jun 30United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Mar 29United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Oct 04United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of US$0.11
Jun 28Should Shareholders Reconsider United Security Bancshares' (NASDAQ:UBFO) CEO Compensation Package?
May 13Should You Or Shouldn't You: A Dividend Analysis on United Security Bancshares (NASDAQ:UBFO)
Mar 09Is United Security Bancshares (NASDAQ:UBFO) Popular Amongst Insiders?
Feb 02There's A Lot To Like About United Security Bancshares' (NASDAQ:UBFO) Upcoming US$0.11 Dividend
Dec 28Shareholders Of United Security Bancshares (NASDAQ:UBFO) Must Be Happy With Their 63% Return
Dec 22
United Security Bancshares declares $0.11 dividend
Dec 16Shareholder Returns
| UBFO | US Banks | US Market | |
|---|---|---|---|
| 7D | 4.1% | -0.4% | 1.5% |
| 1Y | 36.9% | 40.5% | 22.4% |
Return vs Industry: UBFO underperformed the US Banks industry which returned 40.5% over the past year.
Return vs Market: UBFO exceeded the US Market which returned 22.4% over the past year.
Price Volatility
| UBFO volatility | |
|---|---|
| UBFO Average Weekly Movement | 2.8% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 5.9% |
| 10% most volatile stocks in US Market | 18.0% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: UBFO has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: UBFO's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1987 | 114 | Dennis Woods | www.unitedsecuritybank.com |
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans.
United Security Bancshares Fundamentals Summary
| UBFO fundamental statistics | |
|---|---|
| Market cap | US$175.48m |
| Earnings (TTM) | US$14.78m |
| Revenue (TTM) | US$48.60m |
11.9x
P/E Ratio1.3x
P/B RatioIs UBFO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UBFO income statement (TTM) | |
|---|---|
| Revenue | US$48.60m |
| Cost of Revenue | US$0 |
| Gross Profit | US$48.60m |
| Other Expenses | US$33.82m |
| Earnings | US$14.78m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.85 |
| Gross Margin | 100.00% |
| Net Profit Margin | 30.42% |
| Debt/Equity Ratio | 8.9% |
How did UBFO perform over the long term?
See historical performance and comparisonDividends
4.7%
Current Dividend Yield56%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/16 03:03 |
| End of Day Share Price | 2025/02/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
United Security Bancshares is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.